In Norway the law on the central bank has since 1986 specified the promotion of an efficient payment system domestically and towards other countries as a prioritized task. To this end, Norges Bank has worked systematically as facilitator to promote common technical platforms, to do away with cross subsidization through float, to promote competition between service providers who should price their various payment products according to costs. Now most people in Norway accept pricing, and the most costly payment instruments are on the way out. An important tool in the work has been the Annual Report on Payments System. The 2010-report is now available at http://www.norges-bank.no/en/about/published/publications/annual-report-on-payment-systems/2010/ and documents a speedy and cost efficient payment system. You are all welcome to contact us for further information.